By Paul Davis | Contributing Writer
You may think this as a devious come-on from an unscrupulous insurance agent. But really, my intent is to try to connect with people who are truly overpaying on their present plans without realizing it.
If you watch TV, it’s difficult to avoid commercials for Medicare Advantage HMO plans that have zero monthly premium. Those plans are great for people who have doctors contracted with those plans and comfortable with the HMO concept. FYI, some of those plans include providers contracted with UCLA and Cedars-Sinai Medical Center. Many people find that surprising.
But this article is more for those people who want to have freedom of choice and do not mind paying a monthly premium for a Medicare Supplement (also known as a Medi-gap) plan.
If you’re on a Plan J, which has not been sold since 2010, you are on the richest standardized